** 15-year adjustable-rate home-equity loan rates range from 4.936% APR to 9.875% APR. The APR is variable, based on an index and margin. On a loan of $300,000 at 4.936% APR, you would make 180 payments of $2,352.60 over 15 years. Loan payments do not include taxes and insurance.

*** Home-equity lines of credit rates may range from 4.500% APR to 5% APR. These rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $800 to $1,200. There may be an early closure fee of $500 for home equity lines closed within the first two years of origination.

**** For a 15-year fixed-rate home-equity loan of $300,000 at the current rate of 5.189% APR, you would make 180 payments at $2,391.60 over 15 years.

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ARM mortgage loan rates may range from 4.421% APR to 4.505% APR during the initial fixed-rate period, which may be 3, 5, 7 or 10 years. The APR is subsequently variable, based on an index and margin, for the remainder of the 30-year term. For example, on a 30-year 3/1 ARM loan of $300,000 starting at 4.421% APR, you would make 36 payments of $1,368.30 during the intial three-year fixed-rate period. Loan payments do not include taxes and insurance.

****** The amount of the equity loan and the amount of the first-trust deed may not exceed 80% of the market value of the home up to $1,000,000. You must provide adequate insurance and a clean title to the property so that the Star One equity line will appear in second position.